Business Details
Trusted Insurance Solutions for Your Future
Guardian Insurance has been dedicated to providing straightforward insurance solutions for Australian families for over a decade. Our mission is to help clients protect their lifestyles and loved ones through accessible, reliable coverage tailored to their unique needs. We prioritise simplicity, offering easy online and phone-based applications to streamline the process of securing life, income protection, funeral, and pet insurance. Partnering with globally trusted underwriters, we ensure policies are backed by industry-leading expertise and financial stability. Our commitment to innovation was demonstrated in 2021 with the launch of one of Australias first fully online life insurance policies, empowering customers to manage their coverage efficiently.With a focus on hassle-free claims and exceptional customer service, we aim to provide peace of mind during lifes most challenging moments. Recognised for delivering award-winning products, we remain dedicated to evolving our offerings to meet the changing needs of our clients. At Guardian Insurance, your priorities are our priorities, and we strive to make protecting what matters most both simple and secure.
Services
Term Life Insurance
Income Protection Insurance
Funeral Insurance
Pet Insurance
Highlights and features
- We offer over a decade of experience in providing tailored insurance solutions for Australian families.
- Our streamlined online and phone-based applications make securing coverage quick and simple.
- Hassle-free claims process supported by a dedicated and friendly customer service team.
- Policies backed by globally trusted underwriters with a proven track record of reliability.
- Award-winning insurance products designed to meet the evolving needs of our clients.
Associations and certifications
- Australian Financial Services Licence (AFSL)
Services
Term Life Insurance
Guardian Term Life Insurance provides financial protection for dependents in the event of death or terminal illness. Coverage ranges from $10,000 to $2 million, with policy terms of 1025 years based on eligibility. Designed for simplicity, it offers online or phone-based applications and rapid approval, ensuring families can maintain their lifestyle with minimal disruption.
Income Protection Insurance
This insurance safeguards against income loss due to sickness or injury, covering up to 70% of pre-tax earnings (capped at $15,000 monthly). Tailored for Australian residents aged 1860, it ensures financial stability during recovery periods. The policy supports long-term peace of mind by maintaining living standards when work is interrupted unexpectedly.
Funeral Insurance
Guardian Funeral Insurance covers funeral costs up to $15,000, easing the financial burden on loved ones. Guaranteed acceptance for Australians aged 4079 ensures accessibility, with funds available to plan meaningful farewells. The policy prioritises simplicity, offering fixed premiums and no medical assessments for eligible applicants.
Pet Insurance
This service reimburses up to $12,000 annually for veterinary bills related to illness or injury, ensuring pets receive quality care. Exclusions and sub-limits apply, but the policy supports comprehensive treatment options. Designed for cats and dogs, it promotes proactive pet health management with flexible coverage tiers.
Questions
Who is Guardian Insurance?
Guardian Insurance is a provider of straightforward life, income protection, funeral, and pet insurance solutions for Australian families, backed by trusted underwriters.
What insurance products does Guardian Insurance offer?
We offer Term Life Insurance, Income Protection Insurance, Funeral Insurance, and Pet Insurance with coverage tailored to individual needs and eligibility.
How do I apply for a policy?
Apply online or over the phone with simplified processes, including no medical assessments for eligible applicants and rapid approval for most policies.
How do I make a claim?
Contact our customer service team via phone or submit claims online, with support available for all policy types to ensure a smooth, timely process.
Are pre-existing conditions covered?
Pre-existing conditions are generally excluded, but specific policy terms and exclusions are detailed in Product Disclosure Statements.
Can I get a copy of the Product Disclosure Statement?
Yes, all policy documents, including PDSs, are available on our Policy Documents page for review before purchasing coverage.
Reviews (4)
E. L.
May 27, 2021
Report
We cancelled the insurance in March, then this company mail a letter to charge us in May. Then we noticed that last March, we told them to buy RV insurance from March to October, they give us a label for RV till October, however, they charged us from March last year to March this year.
Called them many times, nobody answered the phone.
Called them many times, nobody answered the phone.
Holly
Apr 16, 2021
Report
We started a claim on Jan 26 2021. We still have no answers on what will be replaced as we had a water leak. We have been calling and no one will return our calls. I understand that some of the responsibilities fall on the adjuster that was appointed to us, she has been useless. Not returning phone calls, saying stuff wasnt damaged and removing it from the estimate which we finally seen 2 weeks ago. I would not recommend anyone use this company if they expect answers or help when you have problems! They are a big disappointment. Once the renewal is up, were out! If we soon dont get a
Lee Hicks
Nov 05, 2020
Report
Company does not return calls. A simple approved claim taking longer than 5 months to pay out. Company they hired to remove claimed item, stole from yard.
Luciano Monteiro De Miranda
Oct 30, 2019
Report
This company is a rip off, I cancelled my motorcycle insurance with them in July and they are still charging my credit card! To make things really more "scan like", they send me a reimbursement for two months, but didn't stop charging my card. I wouldn't recommend this business for anyone wanting to have a trustful insurance provider and peace of mind.
